What You Should Know About RV Towing Insurance


Travel trailers and other towable RVs aren’t cheap, and they’re full of personal possessions. For that reason, you’re going to want to have some form of RV towing insurance before you hit the road.

Towed RVs have some quirks, which means insurance works a little differently compared to drivable RVs.  Let’s take a closer look at RV towing insurance, how it works, and the types of coverage available.

What is RV towing insurance?

Both your homeowners insurance and your auto insurance will provide some coverage for your towed RV, but it doesn’t go very far. This big gap in coverage is where RV towing insurance comes in.

The types of RV towing insurance coverage

There are a variety of coverages offered for RV towing insurance. Some of these come standard on most policies, while others are typically extra.

Liability coverage

If you’re at fault for an accident, liability coverage pays for damage and injuries to the other party. Your tow vehicle’s auto policy already provides some liability coverage to your RV in case of an accident.

Collision coverage

Collision coverage protects your RV in case it is damaged in an accident. Your auto policy may or may not extend collision coverage to your trailer. Even if your auto policy does cover it, it can’t hurt to add extra coverage.

Comprehensive coverage

Comprehensive coverage protects against a variety of types of damage that could occur to your RV. This includes things like flooding, fire damage, and theft/vandalism.

Full-timer coverage

Full-timer coverage provides protection if someone is injured while in your RV, as well as at your campsite. In essence, this is like a homeowner’s policy for full-time RVers.

Personal effects coverage

Personal effects coverage will cover you in the case of the loss or destruction of all your personal items in your RV. Computers, jewelry, clothes, and other valuable items can all be protected with this kind of coverage.

Total loss replacement coverage

Also known as “TLR” coverage, total loss replacement is pretty much what it sounds like. If your RV is totaled in an accident, TLR coverage will fully replace your RV or pay you the value of the initial purchase price.

Emergency expense coverage

Emergency expense coverage will cover additional living expenses if your trailer is rendered unusable. That means things like transportation and hotel costs will be covered.

Roadside assistance

If you break down on the side of the road, roadside assistance like Coach-Net will be there to help you. Whether you need a tow, help replacing a blown tire, or anything else, this coverage will have your back.

Other coverages

A number of other coverages are also available for RV towing insurance, such as pest damage protection, roof repair and replacement, and pet injury.

You don’t want to skip out on RV towing insurance. While your auto and homeowners insurance can provide some coverage for your travel trailer or other towable RV, it’s far from comprehensive.

Bottom line:  You need RV towing insurance

You can start policy shopping from an online provider like RVerInsurance.com. RVer Insurance Exchange offers free quotes for RV insurance, health insurance, even extended warranties.